Indecent electronic proposals
Obtaining quotations and applying for insurance online or via other electronic processes can lead to misinterpretation or misrepresentation of a client's needs and personal details
The Court of Appeal has again emphasised - in the recent case of Whitlam v. Hazel - the importance of brokers making sure that questions in proposal forms are answered accurately and completely.
The claimant, Mr Whitlam, applied for motor insurance. He was working full-time at a sports shop connected with a golf course. He had applied to train as a golf professional and played in amateur tournaments in his own time.
He gave his broker a hand-written proposal form, in which he described his
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